Glossary · The loan itself
In short
An assessment of the potential for loss a lender faces when extending credit to you and the business. Lenders evaluate this to determine loan eligibility and terms.
Your personal credit history, industry experience, and the business's financial stability all contribute to your overall risk profile. A strong profile (high FICO, stable cash flow, solid collateral) leads to better loan terms. Lenders use this during loan underwriting to decide if the deal meets their prudent lending standards.
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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